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Mapping Out the Market for LTC Hybrids

Mapping Out the Market for LTC Hybrids

by Kerry Pechter

Wed, Jul 08, 2009

In some cases, the fixed annuity will lead the sale and in others the LTC insurance will lead the sale.

SPIA/LTC Hybrid Still Just a Concept

SPIA/LTC Hybrid Still Just a Concept

by Kerry Pechter

Tue, Jul 07, 2009

In this product, the adverse selection factors that plague both LTC insurance and immediate annuities would partially cancel each other out.

A Short Cut to Long-Term Care Insurance

A Short Cut to Long-Term Care Insurance

by Kerry Pechter

Tue, Jul 07, 2009

United of Omaha, Genworth Life, Bankers Life, and OneAmerica have introduced LTC/annuity hybrids in the run-up to January 1, 2010, when distributions from annuities to pay nursing home bills will be tax-free.